Asset-Based Lending
Borrow against what your business owns.
A loan or revolving line secured by receivables, inventory, equipment, or real estate. Because the collateral carries the deal, asset-rich businesses can borrow more — and challenged credit isn't an automatic no.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Why ABL
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Manufacturers, distributors, wholesalers, and contractors doing roughly $75,000+ a month with receivables, inventory, equipment, or property to pledge.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Typical facilities | $100,000 to $15 million |
|---|---|
| Revenue | Roughly $75,000+ a month |
| Time in business | 6+ months |
| Collateral | Receivables, inventory, equipment, or real estate |
| Credit | Considered, but the collateral carries more weight |
| Paperwork | Financial statements, A/R and inventory reports, collateral schedule |
| How fast | Usually two to four weeks, including collateral review. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for asset-based lending — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04Voided business checkbank
- 05Most recent business tax returntax
- 06Schedule of collateralcollateral
Industries we often advise on for Asset-Based Lending
Where asset-based lending is one of the best-fit options for how the business earns.
Compare related options
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More on Asset-Based Lending
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